Water damage is a significant concern for property owners, often leading to costly insurance claims, according to Lansdown’s claims data. Unchecked leaks can wreak havoc, causing extensive damage that takes months to rectify and may even necessitate a temporary relocation for homes and businesses.

Insurers have witnessed how minor leaks can quickly spiral into major losses. While insurance cover may address financial losses, the inconvenience and disruption to daily life are unavoidable.

Reacting swiftly to a water leak is crucial, potentially sparing property owners from significant damage and headaches down the line.

Several factors contribute to water leaks, including pipework failures, valve malfunctions, frozen pipes, poor workmanship, and faulty equipment.

To reduce the risk of leaks, property owners should take proactive measures:

  • Regularly inspect stopcocks to ensure smooth operation
  • Schedule routine inspections and maintenance of pipework by certified professionals
  • Attend to minor maintenance tasks promptly, such as replacing washers and fixing dripping taps
  • Monitor water tanks and cylinders for signs of corrosion and arrange for annual central heating system maintenance
  • Insulate exposed pipes to prevent freezing and consider draining the water supply if the property will be vacant for an extended period

Additional precautions include:

  • Avoid leaving plugs in water basins or baths unattended
  • Install leak detection devices in vulnerable areas to detect leaks early and potentially minimise damage
  • Consider flow detection devices to monitor water flow and automatically shut off the supply during abnormal conditions

Upon discovering a leak, immediate action is essential:

  • Shut off the water supply at the main stopcock
  • Turn off electricity and heating systems
  • Drain water from the system by opening taps
  • Move items at risk of damage into a dry area
  • Collect seeping water in appropriate containers
  • If safe, release water from bulging ceilings to prevent collapse
  • Avoid contact with wet electrical components and seek professional assistance if needed

By promptly addressing water leaks and implementing preventive measures, property owners can mitigate potential damage and minimise disruptions.

If you do need to submit a claim, all of the details you need can be found here.

About Lansdown Insurance Brokers

Lansdown Insurance Brokers are specialists in Home Insurance and Block of Flats Insurance. We can provide flexible policies to suit individual client needs and provide advice on what cover is needed. For more information call the team on 01242 524498.

Lansdown is part of the Benefact Group, a charity-owned, international family of financial services companies that gives all available profits to charity and good causes.

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